Compare black credit cards

Average annual fee is $300

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Credit card
Bonus points
Earn rate
Annual fee
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
Up to 120,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295 + $75 p.a if you opt in to earn Qantas Points
$450 Qantas Travel Credit^ 
  • Complimentary Travel Insurance 

  • Up to 4 Additional Cardholders for no extra fee 

Bonus points
100,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
  • Enjoy five complimentary insurances 

  • NAB Concierge Service 

Bonus points
Up to 120,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$295 1st year fee $395 p.a thereafter
$250 BACK TO YOUR NEW CARD*
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Club Lounge Invitations per year 

Bonus points
Up to 130,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$425
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Lounge Invitations per year 

Bonus points
Up to 80,000 PTS Incl. 20,000 PTS for first-time cardholders
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$349 1st year fee $399 p.a thereafter
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
  • Complimentary Travel Insurance 

  • Two complimentary airport lounge visits 

Bonus points
Up to 70,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$350 1st year fee
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
  • 4th night free at participating hotels 

  • Unlimited airport lounge access with Priority Pass™ 

Bonus points
100,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$749
  • Uncapped Qantas Points earning potential

  • Two complimentary lounge visits 

Bonus points
N/A
Earn rate
Up to 1.2 PTS per $1 spent
Annual fee
$0 monthly fee Min spend & conditions apply + $60 p.a. Qantas Points opt in fee
  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$270
  • 20% bonus Status Credits on Qantas flights 

  • 10% discounted base fare for Qantas flights 

Bonus points
150,000 PTS
Earn rate
Up to  2 PTS per $1 spent
Annual fee
$1,200
  • Complimentary Travel Insurance 

  • Only for Medical, Dental, Veterinary & Accounting specialists

Bonus points
20,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$400
  • Up to 51 days to pay for purchases 

  • 2 Domestic Qantas Club Lounge Invitations 

Bonus points
150,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
  • Uncapped Qantas Points earning potential  

  • Qantas Business Rewards Level 2 Advance 

Bonus points
100,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$0 first year fee $300p.a. + $75p.a. per card, thereafter

Black credit cards

Black credit cards can be considered to be ‘top tier’ credit cards, offering more premium features and services than platinum, gold or other standard options. Designed for high-earners and spenders, they can offer generous rewards programs, complimentary insurance, dedicated concierge services, travel benefits and much more.

Choose the right black Qantas Points earning credit card for you

Choose the right black Qantas Points earning credit card for you

There are a number of black credit cards that earn Qantas Points available, all offering a range of exclusive features and benefits. So, when looking for a black credit card, it’s a good idea to go through all the features to decide which ones are the most important to you. Explore our black credit card range here.

Why choose a black credit card?

Why choose a black credit card?

A black credit card offers more privileges and perks than other types of credit cards. The features and benefits of black credit cards can include:

  • Higher credit limits
  • More rewards or Qantas Points per dollar
  • Higher points caps (or no points caps) for reward programs
  • More flexible reward programs
  • Travel vouchers
  • Greater financial coverage for insurance
  • Access to airport lounges around the world
  • Dedicated travel booking services
  • A personal concierge service
  • Invitations to exclusive events or promotions
  • Discounts and special promotions on travel, shopping and dining

When you're deciding on a black credit card, make sure you check the annual fees and other potential costs so that you can decide whether for you, the benefits outweigh the costs of the black credit card that you choose.

How do I apply for a black credit card?

How do I apply for a black credit card?

How you apply will differ depending on the issuer. However, it is important to keep in mind:

  • Applicants must be at least 18 years of age.
  • You must have an excellent credit history.
  • You must have a regular source of income. Black credit cards also have higher minimum income requirements
  • Full-time employment is preferred. If you are self-employed, retired or on a pension and can provide proof of regular income, then you may also be eligible to apply.

What do I need to consider when choosing a black Qantas Points earning credit card?

It is important to ask yourself the right questions to make sure a black Qantas Points earning credit card is the right card for you:

Do you use credit a lot?

If you regularly pay with a credit card, the higher credit limit of a black credit card could offer you more flexibility when it comes to spending. It will also help you get the most out of features such as rewards.

Do you regularly pay off your credit card?

Black credit cards can have higher interest rates than other credit cards, so be sure that you can pay off your card monthly in order to enjoy the benefits fully.

How many of the features will you use?

While it’s great to have access to a wide range of features, the value comes from using them. Think about the features you want and how often you will use them, to decide whether or not a black credit card is right for you.

What you need to know

You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

The credit card products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant credit licensees. The information about the credit products has been provided by the relevant credit licensees and not Qantas. Qantas does not hold an Australian Credit Licence and is not a licensee in relation to the credit activity being engaged in by the relevant credit licensees.

The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept liability for any loss arising from the use of, or reliance, on the information provided on this webpage.

Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.